Everyday money
Check an online lender through OJK FIND
Check an online lender’s legal entity and official channels in OJK FIND, then separately assess authenticity, loan terms and affordability.
English edition. Official forms and source documents may be in Indonesian.
Check the lender in OJK’s Financial Institutions Directory (FIND). Match the legal entity and official channels to the app or offer. A company’s licence does not prove that every account using its name is genuine, or that a loan is affordable for you.
See 5 official references ↓Open the official service ↗find.ojk.go.id
Guide contents
What to prepare
- The app/brand name, legal company name and offered website address.
- Screenshots and contact details of any questionable offer.
- Direct access to find.ojk.go.id; information can be viewed without user registration.
Steps you can follow
Open OJK’s directory
Use find.ojk.go.id. An OJK logo in an advertisement is not sufficient proof of authorisation.
Search the company
Use the legal entity name. A brand can differ from the registered company name.
Compare the profile and channels
Review available licence information and official contacts. Stop the application if the entity or contact channel does not match.
Clarify uncertain results
Check spelling and ask OJK rather than guessing. FIND help lists find@ojk.go.id and helpdesk@ojk.go.id for directory-information issues.
Read the terms and affordability
Consider principal, interest or economic benefits, charges, term, penalties and risks. Compare repayments with the household budget.
Keep evidence and report problems
Record the company, check date and offer. Suspected illegal financial activity can go to SIPASTI; transaction fraud calls for the payment provider and IASC.
Costs and timing
Viewing FIND information does not require applying for a loan or registering as a user. Loan costs follow the contract and applicable rules, not a single rate set by this guide.
Check current requirements, availability and charges through the official reference ↗ before paying or travelling.
Make three separate checks
First, is the financial entity authorised? Second, is this particular offer or contact authentic? Third, does the loan fit your circumstances? A directory result assists with the first question, verified channels with the second, and the contract and budget with the third.
For example, the company may appear in FIND while an offer asks you to move to an unrelated private account. Record the mismatch and contact the verified company channel before sending documents or money.
Things to check carefully
- Do not rely only on an old lender list.
- Similar names and logos do not verify an app or contact.
- Never share an OTP, PIN, password or device access with an unverified contact.
Frequently asked questions
Can I use FIND without an account?
Yes, its help states that registration is not required to access information. Maintenance may affect availability.
Is an authorised lender necessarily suitable?
No. Review the purpose, total payment obligations and affordability. Authorisation is not a product recommendation or risk-free guarantee.
Where do I report suspected illegal lending?
Use sipasti.ojk.go.id for suspected illegal financial activity and iasc.ojk.go.id for financial transaction fraud. Retain supporting evidence.
Sources and review
Editorial review of public information: . This is not a review by an agency officer or a professional adviser. Official document titles are retained below.
- OJK — Financial Institutions Directory (FIND) ↗find.ojk.go.id · Accessed 19 September 2026
- OJK FIND — Bantuan dan ketentuan akses ↗find.ojk.go.id · Accessed 19 September 2026
- OJK — Pahami manfaat, biaya, dan risiko sebelum meminjam ↗ojk.go.id · Accessed 19 September 2026
- OJK — Booklet Waspada Penipuan, Agustus 2026 ↗ojk.go.id · Accessed 19 September 2026
- OJK — Peringatan aktivitas keuangan ilegal, September 2026 ↗ojk.go.id · Accessed 19 September 2026
Current agency rules take precedence. Editorial method · Report a correction